{"id":4379,"date":"2016-10-27T12:00:50","date_gmt":"2016-10-27T12:00:50","guid":{"rendered":"http:\/\/margill.com\/fr\/asset-finance-leasing\/"},"modified":"2026-01-27T10:21:03","modified_gmt":"2026-01-27T15:21:03","slug":"finance-equipment-credit-bail","status":"publish","type":"post","link":"https:\/\/margill.com\/fr\/finance-equipment-credit-bail\/","title":{"rendered":"Finance \u00e9quipment \/ Cr\u00e9dit-bail"},"content":{"rendered":"<h3>Voir aussi :<\/h3>\n<ul>\n<li><a href=\"https:\/\/margill.com\/fr\/financement\/\">Financement &#8211; Op\u00e9rations bancaires, Pr\u00eats, Cr\u00e9dits-bails<\/a><\/li>\n<li><a href=\"https:\/\/margill.com\/fr\/comptabilite\/\">Comptabilit\u00e9<\/a><\/li>\n<li><a href=\"https:\/\/margill.com\/fr\/prets\/\">Pr\u00eats<\/a><\/li>\n<li><a href=\"https:\/\/margill.com\/fr\/calcul-hypotheque\/\">Hypoth\u00e8ques<\/a><\/li>\n<\/ul>\n<p class=\"texteFushia\" align=\"left\">Le dollar ($) a \u00e9t\u00e9 utilis\u00e9 dans ces exemples, mais n&rsquo;importe quelle autre devise (\u20ac, \u00a3, F, \u00a5, R, DA, Rs, etc.) peut \u00eatre utilis\u00e9e.<\/p>\n<p class=\"texteFushia\" align=\"left\"><span class=\"texteNoir\">La plupart des calculs ci-dessous peuvent utiliser un taux fixe (Int\u00e9r\u00eat \u00e0 taux unique) ou des taux variables.<\/span><\/p>\n<hr \/>\n<h3><b><span style=\"font-size: small;\">Exemples concrets:<\/span><\/b><\/h3>\n<p><a href=\"https:\/\/margill.com\/fr\/finance-equipment-credit-bail\/#1\"><b>Financement des actifs \/ Location-bail<\/b><\/a><\/p>\n<p><b><a href=\"https:\/\/margill.com\/fr\/finance-equipment-credit-bail\/#2\">D\u00e9cision de financement d&rsquo;\u00e9quipement<\/a><\/b><\/p>\n<p align=\"left\"><b><a href=\"https:\/\/margill.com\/fr\/finance-equipment-credit-bail\/#3\">D\u00e9cision d&rsquo;achats immobiliers (terrains)<\/a><\/b><\/p>\n<p align=\"left\"><a id=\"1\" name=\"1\"><\/a><\/p>\n<hr \/>\n<h2><b class=\"texteOrange\"><span style=\"font-size: small;\">Financement des actifs \/ Location-bail<\/span><\/b><\/h2>\n<p>Une voiture est lou\u00e9e pour 25 000 $. La valeur r\u00e9siduelle apr\u00e8s 4 ans est 10 000 $. Quel serait le paiement minimum mensuel de la location \u00e0 un taux d&rsquo;int\u00e9r\u00eat de 10 % ?<\/p>\n<p align=\"center\"><img decoding=\"async\" src=\"https:\/\/margill.com\/images\/asset1-fr.gif\" alt=\"\" \/><\/p>\n<p><b>\u00c9cran de r\u00e9sultats partiel :<\/b><\/p>\n<p>Le paiement minimum mensuel devrait \u00eatre de 458,53 $.<\/p>\n<p align=\"center\"><img decoding=\"async\" src=\"https:\/\/margill.com\/images\/asset1a-fr.gif\" alt=\"\" border=\"1\" \/><\/p>\n<p>Quel serait le paiement si un d\u00e9p\u00f4t de 3 000 $ \u00e9tait fait\u00a0? Margill peut facilement recalculer chacun des paiements suite \u00e0 la modification du premier paiement \u00e0 3\u00a0000\u00a0$. Il suffit de choisir les lignes pour lesquelles le paiement doit \u00eatre recalcul\u00e9 et de cliquer avec le bouton droit de la souris (voir l&rsquo;\u00e9cran ci-dessous).<\/p>\n<p>Le nouveau paiement minimum mensuel devrait \u00eatre de 392,96\u00a0$.<\/p>\n<p align=\"center\"><img decoding=\"async\" src=\"https:\/\/margill.com\/images\/asset1b-fr.gif\" alt=\"\" \/><\/p>\n<p align=\"left\">La table peut \u00eatre enti\u00e8rement \u00e9dit\u00e9e pour inclure n&rsquo;importe quel paiement suppl\u00e9mentaire, un nouveau paiement, des sommes forfaitaires, des changements aux taux d&rsquo;int\u00e9r\u00eat, etc.<\/p>\n<p align=\"left\">Vous pouvez \u00e9galement inclure des paiements <b>d&rsquo;int\u00e9r\u00eat seulement<\/b> pendant un certain temps ou un montant de<b> capital fixe<\/b>.<\/p>\n<p align=\"left\"><a id=\"2\" name=\"2\"><\/a><\/p>\n<hr \/>\n<h2><b class=\"texteOrange\"><span style=\"font-size: small;\">D\u00e9cision de financement (achat) d&rsquo;\u00e9quipement<\/span><\/b><\/h2>\n<p>Un nouveau type de machines est disponible sur le march\u00e9, elles co\u00fbtent 500 000\u00a0$. Ce type machine fera \u00e9pargner \u00e0 l&rsquo;entreprise 6 000 $ par mois en co\u00fbt de main-d&rsquo;oeuvre pendant les 20 prochaines ann\u00e9es (les co\u00fbts de maintenance et d&rsquo;amortissements sont inclus dans l&rsquo;\u00e9pargne).<\/p>\n<p>Est-il rentable d&rsquo;acheter cette machine en sachant que le taux d&rsquo;int\u00e9r\u00eat de placement est de 7\u00a0%\u00a0?<\/p>\n<p align=\"center\"><img decoding=\"async\" src=\"https:\/\/margill.com\/images\/asset2a-fr.gif\" alt=\"\" \/><\/p>\n<p align=\"left\">La r\u00e9ponse la plus probable est \u00ab\u00a0oui\u00a0\u00bb puisque 500 000 $ ne g\u00e9n\u00e9reraient habituellement que 3 876 $ par mois.<\/p>\n<p align=\"left\">La valeur maximale pay\u00e9e par l&rsquo;entreprise pour la machine devrait \u00eatre 773 895\u00a0$.<\/p>\n<p align=\"center\"><img decoding=\"async\" src=\"https:\/\/margill.com\/images\/asset2b-fr.gif\" alt=\"\" \/><\/p>\n<p align=\"left\">Les paiements futurs ont facilement pu \u00eatre index\u00e9s aux augmentations projet\u00e9es des flux mon\u00e9taires. V\u00e9rifiez simplement \u00ab\u00a0l&rsquo;indexation des paiements\u00a0\u00bb et choisissez une table d&rsquo;indexation que vous pouvez cr\u00e9er en un tour de main.<br \/>\n<a id=\"3\" name=\"3\"><\/a><\/p>\n<hr \/>\n<h2><b class=\"texteOrange\"><span style=\"font-size: small;\">D\u00e9cision d&rsquo;achats immobiliers (terrains)<\/span><\/b><\/h2>\n<p>Le principe de d\u00e9cision d&rsquo;achat d&rsquo;\u00e9quipements <a href=\"https:\/\/margill.com\/fr\/finance-equipment-credit-bail\/\">ci-dessus<\/a> peut \u00eatre utilis\u00e9 pour les d\u00e9cisions d&rsquo;achat de terrains. Margill peut faciliter les d\u00e9cisions bas\u00e9es sur le co\u00fbt de l&rsquo;immobilier et les revenus \u00e0 long terme.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Voir aussi : Financement &#8211; Op\u00e9rations bancaires, Pr\u00eats, Cr\u00e9dits-bails Comptabilit\u00e9 Pr\u00eats Hypoth\u00e8ques Le dollar ($) a \u00e9t\u00e9 utilis\u00e9 dans ces exemples, mais n&rsquo;importe quelle autre devise (\u20ac, \u00a3, F, \u00a5, R, DA, Rs, etc.) peut \u00eatre utilis\u00e9e. La plupart des calculs ci-dessous peuvent utiliser un taux fixe (Int\u00e9r\u00eat \u00e0 taux unique) ou des taux variables. [&hellip;]<\/p>\n","protected":false},"author":25,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"articles-fr","format":"standard","meta":{"_crdt_document":"","footnotes":""},"categories":[260,412,416],"tags":[],"class_list":["post-4379","post","type-post","status-publish","format-standard","hentry","category-base-de-connaissances","category-calculateur-dinteret-margill-standard-et-droit","category-gestionnaire-de-prets-margill"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.2 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Margill | Financement d&#039;\u00e9quipement cr\u00e9dit-bail<\/title>\r\n<meta name=\"description\" content=\"Apprenez comment produire des calculs pour le financement d&#039;\u00e9quipement et de cr\u00e9dit-bail\" \/>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" 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